Module Summaries
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1 Module Summaries
2 Auto Loans Identify different types of auto loan providers Define important components of an auto loan: installment, principal interest, fees Explain the relationship between down payment and monthly payments Define different types of interest rates: fixed and variable Identify precautionary strategies to make sure you re getting the best deal
3 Building Emergency Savings Define the importance of emergency savings Determine monthly take-home pay Differentiate between needs and wants Evaluate monthly expenses and opportunities to reduce costs List ways to start building savings Identify strategies to pay off credit card debt
4 Benefits of a Credit Union Define a credit union and how it differentiates from other financial institutions Identify the products and services offered by credit unions List the benefits of belonging to a credit union Define eligibility for joining a credit union
5 Budgeting Tool Overview: Use this tool to categorize and track monthly expenses to better understand spending habits and adjust behavior to reach financial goals.
6 Checking Accounts Identify the basic features of checking accounts Compare checking accounts to savings accounts and investment vehicles List the different ways to make payments with checking accounts Identify the various parts of a check Define the differences between debit and credit cards
7 Credit Cards Differentiate between credit cards and debit cards Define credit card offer terms: APR, fees, rewards, finance charges, late charges, credit limits Compare credit card offers and select the card with the best terms Identify laws and regulations designed to protect consumers List different strategies for paying off credit card debt Calculate how long it will take to pay off debt using different strategies
8 Considering Home Ownership Compare the pros and cons of buying vs. renting a home Define appreciating and depreciating assets Define a mortgage Identify costs associated with a loan (interest rates, purchase points, and fees) List important steps to take when deciding whether to purchase a home: build a budget, check your credit score, know your rights, and start saving.
9 Credit Scores & Reports Define a credit score and its significance Explain how credit scores are calculated Identify the types of financial behavior and transactions that impact a credit score List the factors that help you maintain a healthy credit score Identify credit management strategies to keep credit scores high
10 Estate Planning Explain the importance of an estate plan Define the documents and processes commonly involved in estate planning: wills, power of attorney, living will/health care proxy, trust Identify experts who can help design and implement an estate plan
11 Financing Higher Education Identify different ways to pay for higher education Define basic loan terms and types Understand the FAFSA Determine FAFSA expected family contributions Compare financial aid offers Identify different options for repaying student loans List tax incentives associated with student loans
12 Getting Started with Options Define components of an options contract Identify the rights and obligations associated with buying or selling options Define different types of options Explain how to buy or sell options Identify potential profit and loss associated with options Explain how options may protect against loss in stock value Define how options may generate income Identify and apply strategies to accomplish different investment objectives
13 Identity Protection Define consumer fraud and identity theft Identify how consumer fraud and identity theft happen Describe how social security numbers are stolen and used illegally Identify ways to track social security number activity List and define consumer protection laws Identify ways to resolve identity theft
14 Insurance Identify the role of insurance in mitigating risk across several areas of your life List different types of insurance Define co-pay, premium, and deductible Calculate common out-of-pocket insurance expenses
15 Investments Explain the concepts of basic and compounding interest Identify common types of investment vehicles: savings, bonds, mutual funds, stocks Define diversification Explain the relationship between risk and reward Create a diversified portfolio Outline steps to start investing
16 Mobile Payments Define mobile payment technology and how it works List different types of mobile payment Identify costs associated with mobile payment methods Identify strategies to utilize mobile payment methods responsibly
17 Mortgages Identify costs associated with a loan: interest rates, purchase points, and fees Define a mortgage and explain different loan types Describe variables that affect monthly payment and the cost of a mortgage List important steps to take when buying a home: figure out finances, know all the costs, research your rights, and compare options.
18 Mortgage Modifications Understand the mortgage modification process Identify when to call your loan provider Define common mortgage modification options that may be available See how modification options work when applied to real-life situations
19 Overdraft Define overdraft Explain standard overdraft coverage Define available balance and insufficient funds Explain the features and potential costs associated with an overdraft protection plan Explain posting order and how it impacts available balance Describe how transaction type, timing, and amount affect posting order and available balance Identify ways to manage your finances to avoid overdrawing your account
20 Payday Loans Define a payday loan and how it works Identify fees associated with payday loans List methods by which payday loans are deposited and collected Identify regulations and organizations meant to protect borrowers when it comes to payday loans
21 Prepaid Cards Define a prepaid card and how it works Differentiate between a prepaid card and a credit card List the benefits and costs of using prepaid cards Identify regulations and organizations meant to protect consumers
22 Retirement 101 Identify your retirement savings goals Determine how much you will need to save for retirement Define the importance of time compounding interest Define diversification Identify and differentiate between common retirement plan options Identify and differentiate between common investment vehicles: define low, medium, and high-risk portfolios Review and manage retirement savings progress to align with goal
23 Savings Identify common savings account features Define interest Establish savings goals Calculate how long it will take to reach certain savings goals List common types of savings vehicles Match savings goals to the appropriate savings vehicle Identify steps to start saving
24 Social Security Define full retirement age Identify the pros and cons of collecting benefits before, at, and after your full retirement age Evaluate other factors to consider when deciding when to collect benefits: overall health, marital status, employment, etc. List steps to implement when you d like to start collecting benefits
25 Taxes Define direct and indirect taxes and how they each work List the services that taxes pay for and why they are necessary Identify necessary tax forms: W-2, 1040, W- 4, and 1099 Differentiate between gross and taxable income Define standard deductions and exemptions Explain how tax brackets impact your taxes Calculate federal taxes based on a hypothetical income
26 529 Plans Calculate how long it will take you to reach your savings goals Define a 529 plan Identify the advantages of 529 plans vs. other savings options Differentiate between true and false statements about 529 plans List steps to sign up for a 529 plan, begin savings, and use the saved funds Identify ways to begin saving
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EverFi @Work Curriculum Guide Table of Contents Overview... 3 Detailed Module Summaries... 4 Auto Loans... 4 Benefits of a Credit Union... 4 Budgeting Tool... 4 Building Emergency Savings... 4 Checking
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